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Rates Effective Date
As of Tuesday, September 07, 2010


  Savings & Money Market Certificates IRAs Loans Mortgages Business Accounts Credit Cards
ProductAPY%APR%Minimum Opening DepositMinimum Balance to Avoid a FeeBalance Computation MethodMinimum Balance to earn APYCompounding MethodCrediting Frequency
Regular & Youth Savings and Money Market Accounts
Money Market Account Tier 10.70%0.70% $1.00N/ADaily $500.00MonthlyMonthly
Money Market Account Tier 20.85%0.85% $1.00N/ADaily $25,000.00MonthlyMonthly
Money Market Account Tier 31.00%1.00% $1.00N/ADaily $50,000.00MonthlyMonthly
Youth Savings Account - Balance up to $1,0004.00%3.94% $5.00N/ADaily $5.00QuarterlyQuarterly
Youth Saving Account - Balance over $1,0001.00%1.00% $5.00N/ADaily $5.00QuarterlyQuarterly
6 month Youth Certificate0.85%0.85% $100.00N/ADaily $100.00DailyMonthly
12 month Youth Certificate1.05%1.04% $100.00N/ADaily $100.00DailyMonthly
24 month Youth Certificate1.35%1.34% $100.00N/ADaily $100.00DailyMonthly
Student Checking0.10%0.10% $0.00N/ADaily $2,500.00MonthlyMonthly
**** Bonus Checking (formerly Free Checking)1.00%1.00% $0.00No minimum balance Daily $0.00MonthlyMonthly
Savings Accounts 0.50%0.49% $5.00N/ADaily $5.00QuarterlyQuarterly
Dividends are calculated on a day of deposit to day of withdrawal basis. For crediting frequency and compounding method, refer to the dividend payment column above. Fees or other conditions could affect could affect earnings. APY's are accurate as of above date.

*Variable rate accounts. **Penalties may be imposed for early withdrawal. Other rates and terms available upon request.***
Tier bands are based on daily deposited balances. Current Prime is 3.25%.
**** Online banking with eStatements, 15 point-of-sale purchases with debit card, Direct Deposit

APY% = Annual Percentage Yield (APY)%
APR=Dividend Rate%



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